ǂ GWFS Equities, Inc. is a Member of the Securities Investor Protection Corporation ("SIPC"). You may obtain information about SIPC, including the SIPC brochure, by contacting SIPC:
Securities Investor Protection Corporation
805 15th Street, N.W. Suite 800
Washington, D.C. 20005-2215
Email: asksipc@sipc.org
Tel: (202) 371-8300
Information about SIPC is also available at www.sipc.org.

ǂǂ Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Great-West Life & Annuity Insurance Company of New York, and their subsidiaries and affiliates.

Revised 08/2015 (standard + CA)

The Great-West Family of Companies protects your privacy. We have policies to keep your nonpublic personal information private. We may
share it with affiliates and third parties that we do business with, and in other ways permitted by law.

Our Websites. When you visit our websites, we may collect
technical and navigational information, such as device type,
browser type, Internet protocol address, pages visited, and
average time spent on the websites. We use this information for
a variety of purposes, such as maintaining the security of your
online session, online advertising, facilitating site navigation,
improving our websites' design and functionalities, and
personalizing your experience. Additionally, we use temporary
and/or persistent cookies, web beacons and other similar
technologies ("cookies") to support the operation of the Great-West Family of Companies' websites.

Cookies are text files that are placed by a client server onto the
browser of a visitor to a website. These files are harmless to your
computer, and store navigation information as you move
throughout the website. These cookies help us to collect
information about visitors to our websites. We also use cookies
for security purposes and to personalize your experience, such as
customizing your screen layout. On their own cookies do not
contain or reveal any personally identifiable information.
However, if you choose to furnish us with personally identifiable
information, this information can be associated with the data
collected using the cookies.

The Great-West Family of Companies and third-party service
providers we hire may use cookies in online advertising. We do
not share personally identifiable information about our
customers with these third-party service providers, and they do
not collect such information for us. These third-party service
providers help us determine which products and services offered
by the Great-West Family of Companies may be of interest to
you. These service providers may collect information about your
activity on our websites using cookies and other technologies to
analyze, for example, pages visited, search engine referrals,
browsing patterns, and responses to advertisements and
promotions. Such service providers may only collect and use such
information for purposes specified by us and not for their own
purposes. Third-party advertising companies may use these
cookies to optimize the placement by the Great-West Family of
Companies of our online advertisements on unaffiliated websites.
We do not share personally identifiable information about our
customers with these third-party service providers, and they do
not collect such information for us.
You can refuse or delete cookies. Most browsers and mobile
devices offer their own settings to manage cookies. If you refuse
a cookie when accessing one of the Great-West Family of
Companies' websites, or if you delete cookies, you may
experience some inconvenience in your use of our websites. For
example, you may not be able to sign in and access your account,
or we may not be able to recognize you, your device, or your
online preferences.

Information We Collect. We collect and store information. It
comes from forms that you complete, when you access our
websites, from business you have conducted with us and other
parties we do business with, and from consumer and insurance
reporting companies.

Security of Your Information. We have physical, administrative,
and technical safeguards in place to protect your privacy.

Access to Information. The only persons who have access to your
records are those who need it for business reasons.

Our Information Sharing Practices. We limit the information we
share and the parties we share it with. We share your
information to help you do business with us. What we share
depends on the types of products or services you request. As we
are only permitted to share your information in ways described in
this notice, the Great-West Family of Companies do not respond
to "do not track" signals or similar digital privacy mechanisms. For example, we may share information:

from business forms that you complete (such as your
name, address, SSN, plan or ID number, assets and income
from your application)

about your business with us, or others (such as your policy
or contract coverage and benefits and payment history)

about your relationship with us (such as the products or
services you purchased)

from your employer, benefit plan sponsor, or group product
(such as your name, address, SSN, plan or ID number and
age)

from consumer and insurance reporting organizations (such
as your credit, financial or health history; please note, these
organizations may retain information provided to us and
disclose it to others)

from other third parties (such as health and demographic
information)

from visitors to our websites (such as information you
provide online by completing forms, site visit data and
"cookies")

Sharing of Health Information. We won't share your health information, unless such sharing is permitted or required by law. For a description of how we share your health information, please contact our Privacy Officer at the address noted below.

Sharing Information with Other Parties. You may permit us to share your information with other parties. Your information may be shared without your consent with our affiliates and other third parties if permitted by law. We do not share your information for any purpose that requires an opt-in or opt-out.

Our affiliates are listed and include, but are not limited to, our broker- dealers and our trust company. Your information may be shared to serve you better or to make it easier for you to do business with us.

We may also share your information with vendors and financial institutions. Vendors perform services for us such as processing transactions. Financial institutions such as banks have marketing agreements with us. We have agreements with these parties requiring them to protect the privacy of your information. They are not allowed to use the information other than as specified or permitted by law.

Other disclosures that may be made without your consent, include:

To detect or prevent fraud & other criminal activity;

To a medical professional for eligibility or audit purposes;

In response to a question from a government agency;

For purposes otherwise permitted or required by law;

In response to a subpoena or court order;

To a group policy holder to report claims experience or for an audit;

In connection with a sale or merger of all or part of our business;

To a government agency to determine your eligibility for benefits they may have to pay for;

To a peer review committee to evaluate a medical professional;

To a certificate holder or policyholder to provide information about the status of a transaction.

Our Treatment of Information about Former Customers. If our relationship ends, we will not share your information with third parties except as the law requires or permits.

Access to Information. You may access your information by submitting a written request that describes the information. We will respond within 30 business days or as required by state law. Our response will explain the nature and substance of the information on record. We will identify, if recorded, the parties we shared your information with over the last 2 years.

Right to Correct, Amend or Delete Information. You
may submit a written request to us to correct,
amend or delete any information in our records. We
will respond to your request within 30 business days
or as required by state law.
If we agree to your request, we will notify you in
writing. We will provide the corrected information
to any person you identify that has received the
information in the last 2 years and to any insurance
reporting organization we may have provided the
information to over the last 7 years. If we refuse
your request, we will explain why and you will have
the right to file a statement of disagreement.
We reserve the right to revise this policy as needed.
If changes are made, we'll send you a revised notice
and post the new policy on the www.greatwest.com
website.